Our Service Charges
Loan Rates | Share and Certificate Rates
| GENERAL SERVICES - EFFECTIVE 12-1-2019 | |
| Cashiers checks (Counter Check) | $ 2.00 each |
| Corporate checks per check | $ 2.00 |
| Account closure fee collection | $31.00 |
| Statement copies (each statement) | $ 3.00 |
| Check Returned -Deposit or loan payment | $ 20.00 |
| Mailing of phone receipt | $ 1.00 |
| Research fee per hour | $35.00 |
| Deposit verification | $20.00 |
| Account printout (per page) | $ 1.00 a page |
| Outgoing wire transfers | $32.00 |
| Outgoing foreign wire transfers | $50.00 |
| Close IRA | $25.00 |
| Non- Member cashing a check drawn on MCFCU | $10.00 |
| Check/ACH by phone- Must have authorization on file to process this request | $10.00 |
| Coin processing fee | 5% of coin, no less than $5.00 per processing |
| CHECKING ACCOUNT FEES | |
| Monthly Checking | FREE |
| Non-sufficient funds (NSF) | $31.00 |
| Stop payments | $30.00 |
| Transfer to cover overdraft on checking from savings or loan | $ 1.00 each after 4 per month |
| Check or Receipt copy (each) | $ 5.00 |
| Reconcilement of Account - per hour | $35.00 |
| Return ACH (NSF) | $31.00 |
| Close Account fee within 6 months | $10.00 |
| Courtesy pay fee | $31.00 |
| Courtesy pay reinstatement fee | $31.00 |
| No minimum balance for our checking account. No monthly service charge. | |
| AUTOMATIC TELLER MACHINE (ATM) FEES | |
| Reissue of Plastic card - first time free | $ 5.00 |
| Reissue of PIN number | $ 5.00 |
| Overdraw due to ATM transactions | $31.00 |
| ATM withdrawal-non member | $ 3.50 |
| ATM balance inquiry-non member | $ 3.50 |
| VISA | |
| Replace Lost/Stolen VISA - first time free | $ 5.00 |
| Visa Pin replacement | $20.00 |
| Late charges after 5 days past due | 20% of interest due minimum $35.00 |
| Copy of sales draft | $ 8.00 |
| Pay by phone | $10.00 |
| MISCELLANEOUS | |
| Undeliverable mailing or email address fee | $5.00 per month |
| Copy of receipt/check/transaction | $3.00 each |
| 4th withdrawal from Max/High Yield account (per month) |
$2.00 each after 4 withdrawals per month |
| Dormant fee (inactive 12 months) | $5.00 per month |
| Photo copies/Fax / Receipt mailing (per item) | $1.00 |
| Close IRA account | $25.00 |
| Legal Processing | $50.00 |
| VISA Gift Card ($10.00 minimum up to $1000.00 maximum) | $ 5.00 |
| Overdrawn Closure Fee | $31.00 |
| Skip a Pay | $30.00 per month |
| Account closed within 6 months | $10.00 |
| Account re-open in 90 days | $25.00 |
| Escheat accounts | $50.00 |
| Mortgage Modification Minimum/ Mortgage Subordination Minimum | $2,350 / $750.00 |
| Loan Modification Fee | $40.00 |
| Share draft convert to check for Non-Members
|
$10.00 |